Especially since the MBNA merger it is a PITA to pay my BOA card online. My checking account is not a BOA card and BOA makes it extremely difficult to use a non-BOA account to pay online.

I haven't found it that way. I had an MBNA card which was switched to a BoA card. I don't remember if I had to re-enter the checking account information when the merger happened, but I've never had a BoA checking account, and I have no problems setting up the payment.

I also haven't found that it takes 3 days to post a payment. That may be due to my setting up a payment at least a week to ten days before the due date. Maybe that's the three days?

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